Area D-3 is composed of White Oak River and all its tributaries, Foster Creek, Dennis Creek, East Channel, West Channel, Main Channel, Ship Channel, Huggins Bay, and all waters between Bogue Inlet and Intracoastal Waterway.

Quarterly; Vol. 1, no. 1 (Dec. 1985)-; Title from caption.; "With the cooperation of the North Carolina Association of Insurance Agents."; Vols. for - issued by North Carolina Department of Insurance, Office of State Fire Marshall.